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Freedom Essential Life Product Disclosure Statement Freedom Essential Life Product Disclosure Statement Issue Date: 30 June 2017 About this Document Freedom Insurance This document is the Product Disclosure Freedom Essential Life is distributed Statement (“PDS”) for Freedom Essential Life exclusively by Freedom Insurance Pty Ltd and contains important information about (ABN 80 138 864 543) (AFSL 341082) and its the product, including details of the benefits representatives. Freedom Insurance holds an provided and any applicable exclusions. You Australian Financial Services Licence issued should consider its contents carefully before by the Australian Securities and Investments deciding whether you wish to apply for this Commission (ASIC). The Financial Services cover. Guide that is provided by Freedom Insurance This PDS is issued by Swiss Re Life & Health contains further information on the distribution Australia Limited (ABN 74 000 218 306) (AFSL services provided by Freedom Insurance and its 324 908) and the information contained in this representatives. document is current at the date of issue. In Freedom Insurance is not responsible for the the event of any omissions or changes to the payment of any claims under Freedom Essential information in this PDS you will be notified as Life and does not underwrite or in any way required by law. guarantee the benefits payable under Freedom In this PDS any reference to ‘we/us/our’ is Essential Life. referring to Swiss Re Life & Health Australia Limited. Considering Your Personal Circumstances Any financial product advice contained in this Your Plan Terms & Conditions document is of a general nature only and does Where you have obtained the cover provided not take into account your financial situation or by Freedom Essential Life, this PDS together your personal needs and objectives. If you are with your application and the most recent unsure whether the cover is right for you, then Policy Schedule (or such other documentation you should consider obtaining the assistance of that we have issued to you confirming the an independent financial adviser. details of your cover) will form the terms and conditions of your insurance contract with us Terminology (see page 17). Some of the words used in this document have specific meanings which are set out in Swiss Re the Definitions section on page 24. You should Swiss Re Life & Health Australia Limited is a make sure that you understand the definitions registered life insurer and the issuer of Freedom before making any decisions about Freedom Essential Life. As the insurer of this product, Essential Life. we are responsible for meeting the terms and conditions of your cover, including the payment of benefits. We hold an Australian Financial Services Licence issued by the Australian ENQUIRIES Securities and Investments Commission (ASIC). All enquiries regarding Freedom Essential Life should be directed to Freedom Insurance on 1300 88 44 88. 2 TABLE OF CONTENTS About this Document 2 EXCLUSIONS, LIMITATIONS & Your Plan Terms & Conditions 2 REDUCTIONS IN BENEFITS Swiss Re 2 Exclusions 13 Freedom Insurance 2 Pre-existing Medical Condition Exclusion 13 Considering Your Personal Circumstances 2 Reduction in Benefit Amount Payable 13 Terminology 2 Exclusions Applying to Benefit Increases 14 Enquiries 2 Exclusions Applying to Reinstatements 14 FREEDOM ESSENTIAL LIFE Failure to Meet Eligibility 14 Sanctions Laws 14 Why Choose Freedom Essential Life? 5 Easy Application Process 5 BENEFIT PAYMENTS & BENEFICIARIES Extended Cooling-Off Period 5 Entitlement to a Benefit 15 PRODUCT OVERVIEW Nominating Beneficiaries 15 Payment of Benefits 15 Your Choices 6 APPLYING FOR COVER ELIGIBILITY Obligation to Answer Questions 16 Cover For Up to 2 Lives Insured 7 Correctly & Your Duty of Disclosure Life Insured Eligibility 7 Cooling-Off Period 16 Guaranteed Issue 7 YOUR COVER BENEFITS Agreed Benefits 17 Death Benefit 8 Your Plan Terms & Conditions 17 Terminal Illness Benefit 8 When Cover Starts 17 BENEFIT LEVELS Changes to Your Cover 17 Determining Your Benefit Amounts 9 24 Hour Worldwide Cover 17 Changes to Benefit Amounts 9 Cover is Guaranteed Renewable 17 Automatic Indexation of Benefits 9 When Cover Ends 17 Benefit Amount Limits & 9 Effect of Termination 18 Existing Insurances Effective Date of Cancellation 18 Reinstatement of Your Cover 18 YOUR PREMIUMS YOUR PLAN Payment Frequency Options 10 Payment Due Date 10 Plan Ownership 19 Payment Methods 10 Cover Issued Under One or More Plans 19 Premium Rates 10 More Than One Life Insured 19 Premium Calculation 10 – Separate Insurances Changes to Premium Rates 11 Transfer of Ownership 19 Smoker And Non-Smoker Rates 11 CLAIMS One Month Premium Free Period 11 Notification of a Claim 20 Failure to Pay Premiums 11 Claim Proofs 20 Government Charges 11 Additional Evidence 20 Policy Fee 12 Probate and Letters of Administration 20 Hardship Request 12 Making a Claim 20 3 OTHER IMPORTANT INFORMATION Currency 21 Statutory Fund 21 Taxation 21 No Surrender Value 21 Privacy 21 Distributor Not the Insurance Provider 21 Risks Associated With Life Insurance 21 Correspondence 22 Instructions 22 Notification of Breach of Duty of Disclosure 22 Governing Law 22 Invalid Terms 22 Life Insurance Code of Practice 22 CUSTOMER SERVICE Contacting Us 23 Complaints 23 Changes to Your Cover 23 DEFINITIONS Eligibility, Benefits & General – Definitions 24 Exclusions – Full Wording 24 DUTY OF DISCLOSURE 26 PRIVACY NOTIFICATION STATEMENT 27 DIRECT DEBIT REQUEST 29 SERVICE AGREEMENT 4 FREEDOM ESSENTIAL LIFE Freedom Essential Life provides valuable Extend Your Cover insurance cover to persons who may need Protection can be extended to cover your financial assistance in the event of death or partner and other family members. terminal illness. The lump sum benefit provided by this cover Easy Application Process can help protect you and your family against Freedom Essential Life has been specifically the financial impact of suffering a serious designed to provide you with convenient medical event and can go towards safeguarding access to valuable life insurance protection. the lifestyle you and your family have today. Applying for Freedom Essential Life could not The money can be used for any purpose and be easier. that might include paying off or reducing debt, • Apply over the phone simply by calling attending to medical bills or putting towards Freedom Insurance on 1300 88 44 88 ongoing living expenses. • Simply choose the level of cover that you Why Choose Freedom Essential Life? require and who you wish to insure from Freedom Essential Life has been designed to those that are eligible provide you with access to simple, affordable, • No complicated forms to complete value for money life insurance cover that • No medical examination required provides financial assistance to you and your • Should you meet our simple eligibility family in the event of your: requirements, your protection will be • death confirmed during the call • terminal illness As the simple application process doesn’t There are a number of other great reasons require you to provide any information on to choose the cover provided by Freedom your medical history, you will not be covered Essential Life. for insured events that occur as a result of any First Month Free medical condition that was evident in the 5 years prior to commencement date of the cover A feature of Freedom Essential Life is that the (see page 13 for detailed information including first month of cover is absolutely free. This how this exclusion may be removed after the means that you can obtain protection now and commencement of your cover). then use this time to carefully consider your need for this cover. Irrespective of whether you Extended Cooling-Off Period choose to continue your cover, the first month We provide an extended cooling-off period to will not cost you anything. ensure that you have ample time to consider Options to Suit Your Budget whether the cover is right for you. So even if You can set the level of cover to suit your you have paid some premiums we will refund budget. all amounts paid in respect of any benefits that you cancel within the first 42 days of the Protection Against Inflation commencement of your cover (see page 16). To ensure the value of your benefits are All you need to do is tell Freedom Insurance not eroded by inflation, we will offer to that you wish to cancel your cover within 42 automatically increase the amount of all of your days of commencement in order to receive your benefits each year by 5%. full refund. 5 PRODUCT OVERVIEW The table on this page sets out general Your Choices information about Freedom Essential Life, including the events upon which a benefit is 1. Freedom Essential Life provides death payable and the exclusions that apply. and terminal illness cover up to $200,000. Simply determine the level of cover that you Importantly, Freedom Insurance will be able require. to assist you with all matters regarding the product features as well as the eligibility 2. The cover may apply to one or two persons requirements for yourself and your family and you just need to decide whether to members. obtain the cover upon yourself or other family members who meet the eligibility requirements set out on page 7. Benefit Benefit Exclusions Expiry Limits Death or Terminal Illness due to: • Medical conditions evident in 5 years prior to commencement $50,000 date Death and (minimum) Life insured • Suicide with 13 months of Terminal Illness to $200,000 attaining age 99 commencement (or self-inflicted (maximum) in the first 13 months for the terminal illness benefit) • criminal activity • alcohol and drugs This is provided as a brief overview of the product. For full details of the benefits and the circumstances upon which they are payable are contained elsewhere in this PDS. 6 ELIGIBILITY To be eligible to obtain the cover provided by Guaranteed Issue any of the benefits available under Freedom As Freedom Essential Life is “guaranteed Essential Life, you must be: issue”, there are no underwriting requirements • an Australian Resident (see page 24).
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